Credit Cards

0% intro APR: U.S. Bank Visa® Platinum Card review

Our comprehensive U.S. Bank Visa® Platinum card review reveals why it's an ideal choice for those looking to avoid interest charges! Read on and learn!

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U.S. Bank Visa® Platinum Card
0% intro APR: U.S. Bank Visa® Platinum Card review. Source: The Mad Capitalist

Are you seeking a credit card with an extended 0% intro APR offer? If so, we have a good option for you in our U.S. Bank Visa® Platinum Card review.

U.S. Bank Visa® Platinum Card

No annual fee: Apply for U.S. Bank Visa® Platinum

Get the step-by-step process to apply for the U.S. Bank Visa® Platinum Card! Instant decision! Enjoy an intro APR!

Check out its perks and drawbacks to decide if it’s worth your consideration. Read on!

  • Credit Score: Good-Excellent;
  • Annual Fee: $0;
  • Purchase APR: 0% intro APR for the first 18 billing cycles. Then, 19.49% – 29.49% Variable APR;
  • Cash Advance APR: 29.99% variable APR;
  • Welcome Bonus: No welcome bonuses;
  • Rewards: No rewards.

U.S. Bank Visa® Platinum Card: how does it work?

The 0% intro APR feature is the biggest trump card of the U.S. Bank Visa® Platinum Card.

It allows cardholders to have a window to pay off balances without incurring interest charges.

This feature can be especially useful for those looking to make big purchases or pay off their debts.

However,  it is not forever and lasts for 18 billing cycles after the account opening. After that, a variable APR applies, ranging from 19.49% to 24.49%, depending on your creditworthiness.

No Annual Fee

Another plus of the U.S. Bank Visa® Platinum Card is that it comes with no annual fee.

This can be an attractive feature for those who don’t want to pay for the privilege of using a credit card.

It’s worth noting that not all cards have this benefit, so it’s something to consider when choosing a card.

Phone Protection

Focused african american businessman working with laptop documents in office holding papers preparing report analyzing work results, black male analyst doing paperwork at workplace using computer
Get a $0 annual fee and exclusive benefits! Source: AdobeStock

For those especially clumsy or worried about phone theft, this card offers up to $600 of phone protection (subject to a $25 deductible).

However, to qualify, you must pay your monthly phone bill with the U.S. Bank Visa® Platinum Card.

Choose Your Payment Due Day

The U.S. Bank Visa® Platinum Card also allows you to choose your payment due date, which can be helpful for those who need to align their payments with their paydays.

While this may seem small, it can help avoid missed payments and other fees.

Multiple personalized credit card offers

Applying won't hurt your credit score

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U.S. Bank Visa® Platinum Card: should you get one?

The U.S. Bank Visa® Platinum Card can be used for those interested in 0% intro APR. Look at its pros and cons!

Pros

  • No annual fee;
  • Long intro APR period;
  • Cell phone Protection.

Cons

  • No welcome bonus;
  • No rewards;
  • Required a high credit score.

Credit score required

U.S Bank Visa® Platinum Card applicants should have a credit score in the range of 690-850 to get approved and enjoy exceptional benefits!

This tier is typically defined as having good to excellent credit, so if you’re looking for an enhanced banking experience, this offer could be just what you need.

U.S. Bank Visa® Platinum Card application: how to do it?

Ready to apply for the U.S. Bank Visa® Platinum Card? We’ve made it easy with our guide so that you can reap all of its benefits in no time!

Get started and learn how today—just keep reading!

U.S. Bank Visa® Platinum Card

No annual fee: Apply for U.S. Bank Visa® Platinum

Get the step-by-step process to apply for the U.S. Bank Visa® Platinum Card! Instant decision! Enjoy an intro APR!

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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